Senior counsel assisting the royal commission Rowena Orr, QC, is expected to conduct a full probe of misconduct by NAB's planners on Tuesday.

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On Monday, the royal commission heard of one instance of false witnessing by a NAB financial planner, Bradley Meyn, who joined the bank in December 2014.

The royal commission heard that in September 2016, Mr Meyn helped a married couple who were his clients reduce their insurance cover to $200,000 so they could extend their retirement savings.

Such a change to an insurance policy requires a signature from the client and two witnesses who are not the client or a beneficiary of the policy.

However, Mr Meyn did not arrange for the policy to be witnessed. Instead he convinced a customer service officer at NAB to sign as a witness despite that officer not witnessing the signatures.

Asked why Mr Mr Meyn's arranging false witnesses was wrong, Mr Hagger said: "It creates the potential for the beneficiary nomination form to be invalid and for the trustee to then make a determination in the event of death and there is the possibility that the trustee will make deicisons that were different to the wishes of the client."